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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $113,575 | $56,431+101.3% | $130,788-13.2% | $87,485+29.8% |
| Participation rate | 27.5% | 58.9%-31.4pp | 70.1%-42.6pp | 68.9%-41.4pp |
| Annual return | 17.00% | 91.27%-74.3pp | 386.44%-369.4pp | 26.06%-9.1pp |
| Employer contribution / active EE | $825 | $1,549-46.8% | $3,558-76.8% | $2,596-68.2% |
| Participant deferral / active EE | $2,108 | $2,749-23.3% | $4,137-49.0% | $4,274-50.7% |
| Admin fee / account holder | $990 | $4,433-77.7% | $6,673-85.2% | $7,775-87.3% |